Consumer Financial Protection Board

Legal or not? Supreme's seem to be leaning towards not. That will require a bit of legislation to untangle/reassign all those powers that got consolidated under the CFPB

The Supreme Court is about to rule on America’s most powerful, unaccountable federal agency (msn.com)

Though he severed the tenure issue from the funding mechanism then (probably because there is no readily available substitute), Roberts noted the agency “acts like a mini legislature, prosecutor, and court, responsible for creating substantive rules for a wide swath of industries” and “levying knee-buckling penalties against private citizens,” with “no basis in history and no place in our constitutional structure.”

Two justices, Clarence Thomas and Neil Gorsuch, opposed the court’s severability decision, writing that “independent agencies pose a significant threat to individual liberty and to the constitutional system of separation of powers and checks and balances.”
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If that happens, a final opinion could be issued before the end of the calendar year, and if the court throws out the funding mechanism as unconstitutional, it could also choose to delay imposition of their ruling and give the Congress the whole of 2024 to craft an alternative.

Something must be done: The CFPB has more power than any agency in US history, and its potential to abuse this authority is enormous.